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California Department of Insurance CA-Life-Accident-and-Health Exam Dumps - Actual Questions Answers

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CA-Life-Accident-and-Health Questions and Answers

Question # 1

When a family policy covers children, all of the following are true EXCEPT


the coverage is term insurance for a fixed amount.


there is no additional charge for covering new additions to the family.


evidence of insurability is required to convert coverage for children to permanent insurance.


all children living with the family are covered even if adopted or born after the policy is issued.

Question # 2

Under PPACA, what is a health benefits exchange?


PPACA creates new entities called American Health Benefits Exchanges through which individuals, small businesses, and those who do not have access to affordable employer coverage, can purchase coverage.


A health benefits exchange is created by health insurers to allow individuals to access benefits in other insurers' plans.


A health benefits exchange is created by employers to relieve them of having to provide health benefits to employees.


PPACA creates new entities called American Health Benefits Exchanges through which low-income individuals can access public health care programs.

Question # 3

In health insurance the coinsurance is


a percentage of the cost for covered expenses paid by more than one insurer.


a portion of the premium paid by the insured and insurer for each covered service.


a payment shared by the insured and provider of covered service minus the deductible.


a percentage paid for covered expenses by the insured and insurer after the deductible is satisfied.

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